JP7223899B1 - Information processing program - Google Patents

Abstract

An information processing device, an information processing method, and an information processing program that improve the reliability of code settlement are provided. In an information processing system in which a user terminal, a store terminal, and a payment server are communicably connected to each other by wire or wirelessly through a network N, the payment server, which is an information processing device, includes a reception unit, and an execution unit. The reception unit receives transaction information including information indicating that the transaction is an offline payment transaction from the user terminal or the store terminal and the sales amount of the store resulting from the payment transaction. The execution unit executes transaction processing corresponding to the settlement transaction when the sales amount satisfies a predetermined condition. [Selection drawing] Fig. 4

Description

The present invention relates to an information processing program.

Conventionally, payments using one-dimensional codes such as bar codes and two-dimensional codes such as QR codes (registered trademark) (hereinafter referred to as "code payments") have been widely used as cashless payments. (See Patent Document 1, for example). For example, a store terminal installed in a store reads a user ID from a two-dimensional code displayed on the user terminal, assigns the read user ID a store ID and a usage amount, and transmits these payment information to a server. Payment is processed by doing so.

Japanese Patent Application Laid-Open No. 2020-4122

However, the conventional technology described above has room for improvement in terms of increasing the reliability of code payments. For example, if communication conditions are poor due to environmental factors such as store location, the above payment information cannot be sent to the server, and as a result, it becomes difficult to use code payments. In this way, a situation may arise in which it cannot be said that the reliability of code settlement is high.

The present application has been made in view of the above, and an object of the present application is to provide an information processing program capable of enhancing the reliability of code settlement.

The information processing program according to the present application uses the fact that the payment transaction has been completed in conjunction with the reading of the code information when the information read from the code information includes information indicating that the payment transaction is offline. take steps to notify the

According to one aspect of the embodiment, it is possible to improve the reliability of code settlement.

FIG. 1 is a diagram illustrating an example of information processing (Part 1) according to the embodiment. FIG. 2 is a diagram illustrating an example of information processing (Part 2) according to the embodiment. FIG. 3 is a diagram illustrating an example of information processing (No. 3) according to the embodiment. FIG. 4 is a diagram illustrating a configuration example of a settlement server according to the embodiment; FIG. 5 is a diagram illustrating an example of information stored in an account information storage unit according to the embodiment; 6 is a diagram illustrating an example of information stored in a store information storage unit according to the embodiment; FIG. 7 is a diagram illustrating an example of information stored in a user information storage unit according to the embodiment; FIG. FIG. 8 is a sequence diagram illustrating an example of the flow (part 1) of processing according to the embodiment. FIG. 9 is a sequence diagram illustrating an example of the flow (part 2) of processing according to the embodiment. FIG. 10 is a flowchart illustrating an example of a processing procedure by the settlement server according to the embodiment; FIG. 11 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

A form (hereinafter referred to as "embodiment") for implementing an information processing program according to the present application will be described in detail below with reference to the drawings. Note that the information processing program according to the present application is not limited by this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. embodiment]
Information processing realized by the information processing apparatus according to the embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an example of information processing (Part 1) according to the embodiment. Note that in FIG. 1, the information processing and the like according to the embodiment are realized by the settlement server 100, which is an example of the information processing apparatus according to the embodiment.

(1-1. System configuration)
As shown in FIG. 1, an information processing system 1 according to the embodiment includes a user terminal 10, a store terminal 20, and a payment server 100. The user terminal 10, the store terminal 20, and the settlement server 100 are connected to communicate with each other by wire or wirelessly via a network N (see FIG. 4, for example). The network N is, for example, a WAN (Wide Area Network) such as the Internet. The information processing system 1 shown in FIG. 1 may include a plurality of user terminals 10, a plurality of store terminals 20, and a plurality of payment servers 100. FIG.

A settlement server 100 shown in FIG. 1 is an information processing device that executes information processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the settlement server 100 executes information processing related to a service that provides a predetermined means of transaction for controlling exchange of electronic money by code settlement.

Specifically, the payment server 100 distributes an application program for a store terminal (hereinafter referred to as a "store application" as appropriate) to stores (operators) that are providers of transaction objects. When the settlement server 100 receives a transaction request from the store application via the interface dedicated to the store application, the settlement server 100 executes information processing including electronic money remittance processing between accounts in accordance with the transaction request. Note that the electronic money may be points, currency, etc. used independently by various companies, or may be electronically tradable currency provided by the state, such as the Japanese yen or the dollar.

The store application transmits transaction information including information such as a payment destination (store side), a payment source (user side), and a payment amount (sales amount on the store side) to the payment server 100 . In addition to the above-mentioned information, transaction information includes information such as a transaction code to identify individual transactions and date and time information (timestamp) to identify the date and time of a transaction. may

The settlement server 100 also distributes an application program for a user terminal (hereinafter referred to as a “user application” as appropriate) to users (general consumers) who receive transactions from stores. When the settlement server 100 receives a transaction request from the user application via the interface dedicated to the user application, the settlement server 100 executes information processing including electronic money remittance processing between accounts in accordance with the transaction request. The user application transmits transaction information including information such as a payment destination (store side), a payment source (user side), and a payment amount (sales amount on the store side) to the payment server 100 . In addition to the above-mentioned information, transaction information includes information such as a transaction code to identify individual transactions and date and time information (timestamp) to identify the date and time of a transaction. may

A user terminal 10 shown in FIG. 1 is an information processing device used by a user UY who is a general consumer who receives a transaction object from a store. The user terminal 10 is realized by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the user terminal 10 displays information delivered by the settlement server 100 using a web browser or an application. Note that FIG. 1 illustrates a smartphone as the user terminal 10 .

A store terminal 20 shown in FIG. 1 is an information processing device used by a business operator UX that runs a business of providing transaction objects. The store terminal 20 is implemented by, for example, a smart phone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. In addition, the store terminal 20 displays information distributed by the settlement server 100 using a web browser or an application. Note that FIG. 1 illustrates a tablet terminal as the shop terminal 20 .

When the user terminal 10 and the store terminal 20 receive control information for realizing predetermined information processing from the settlement server 100, the user terminal 10 and the store terminal 20 implement the information processing according to the control information. Here, the control information includes, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), and a markup language such as HTML (HyperText Markup Language). It is described by language or the like. Note that the predetermined application itself distributed from the settlement server 100 may be regarded as the control information.

(1-2. Settlement using user terminal 10)
Here, before explaining the information processing executed by the payment server 100, an example of code payment (electronic payment) using the user terminal 10 will be explained. In the following description, a two-dimensional code (QR code (registered trademark)) placed at the store X, which is a two-dimensional code CX indicating store identification information for identifying the store X, is used by the user. An example in which UY makes a payment using the user terminal 10 will be described, but the embodiment is not limited to this. An example of code settlement described below can be applied to a case where any user uses any user terminal 10 to make a payment at any store. Moreover, the two-dimensional code CX indicating the shop identification information may be not only a QR code but also a bar code, a predetermined mark, a number, or the like. Further, the two-dimensional code CX is not limited to the example physically composed of printed matter printed on a medium such as paper, and may be composed of image information displayed on the store terminal 20 .

For example, when the user UY makes a payment accompanying the purchase or use of transaction objects such as various products and services at the store X, the user UY uses the user application 10AP (for example, 4). Then, the user UY photographs the two-dimensional code CX installed at the store X via the user application 10AP. In such a case, the user terminal 10 displays a screen for inputting the price of the transaction object, and accepts the input of the payment amount from the user UY or the store X clerk. Then, the user terminal 10 receives user identification information for identifying the user UY, store identification information (or information indicated by the store identification information, that is, information indicating the store X (for example, store ID)), and settlement information. to the settlement server 100.

When the settlement server 100 receives the transaction information from the user terminal 10, the settlement server 100 transfers electronic money corresponding to the settlement amount from the account of the user UY indicated by the user identification information to the account of the store X indicated by the store identification information. to migrate. At this time, the settlement server 100 may deduct a predetermined fee to be charged to the store X from the amount of electronic money corresponding to the settlement amount, and then transfer the electronic money to the account of the store X. The settlement server 100 then transmits a notification that the transaction has been completed to the user terminal 10 . In such a case, the user terminal 10 notifies the user UY that the electronic money transaction has been completed by outputting a screen or a predetermined voice indicating that the transaction has been completed. Alternatively, the settlement server 100 withdraws electronic money equivalent to the settlement amount from the account of the user UY indicated by the user identification information, manages it as sales information of the store X, and withdraws the amount equivalent to the sales at a predetermined timing. Cash may be transferred to a bank account owned by store X. In this case, the settlement server 100 may notify the user UY that the electronic money transaction is completed at the timing when the electronic money corresponding to the settlement amount is withdrawn from the account of the user UY.

Note that the settlement using the user terminal 10 is not limited to the processing described above. For example, the payment using the user terminal 10 may be made using the store terminal 20 installed at the store X. FIG. Specifically, first, the user terminal 10 displays code information indicating user identification information for identifying the user UY on the screen. In such a case, the store terminal 20 installed at the store X reads the user identification information from the code information displayed on the user terminal 10, and reads the read user identification information (or information indicated by the user identification information). That is, transaction information including information indicating user UY (for example, user ID), payment amount, and information identifying store X is transmitted to payment server 100 .

When the transaction information is received from the store terminal 20, the settlement server 100 transfers electronic money corresponding to the settlement amount from the account of the user UY indicated by the user identification information to the account of the store X. The settlement server 100 then transmits a notification that the transaction has been completed to the store terminal 20 or the user terminal 10 . The store terminal 20 or the user terminal 10 notifies the user UY that the electronic money transaction has been completed by outputting a screen or a predetermined voice indicating that the transaction has been completed. In addition, the settlement server 100 withdraws electronic money corresponding to the settlement amount from the account of the user UY indicated by the user identification information, manages it as sales information of the store X, and withdraws the amount corresponding to the sales at a predetermined timing. Cash may be transferred to a bank account owned by store X. In this case, the settlement server 100 may notify the business operator UX or the user UY that the electronic money transaction is completed at the timing when the electronic money equivalent to the settlement amount is withdrawn from the account of the user UY. good.

In addition, settlement using the user terminal 10 includes not only the process of transferring electronic money from the account charged with electronic money by the user UY in advance to the account of the store X, but also the credit card pre-registered by the user UY. Payment may be made using a card. In such a case, for example, the user terminal 10 transfers the amount of electronic money indicated by the settlement amount to the account of the store X, and transfers the amount indicated by the settlement amount to the operating company of user UY's credit card. may be requested.

(1-3. Outline of Embodiment)
(1-3-1. Information processing (Part 1))
Conventionally, when the user terminal 10 or the store terminal 20 is out of range due to environmental factors such as the store location, and data communication becomes impossible, the code payment cannot be used. In this way, the use of code payments is affected by communication conditions and cannot be said to be highly reliable.

Therefore, the information processing system 1 having the payment server 100 executes the information processing (part 1) according to the embodiment. Information processing (1) executed by the information processing system 1 having the payment server 100 will be described below with reference to FIG. The information processing (Part 1) shown in FIG. An example is shown.

Note that the following description shows an example in which the user terminal 10 is used by the user UY. Also, in the following description, the user terminal 10 may be identified with the user UY. That is, hereinafter, the user UY can be read as the user terminal 10 as well.

Also, in the following description, an example in which the store terminal 20 is used by the business operator UX is shown. Also, in the following description, the store terminal 20 may be identified with the business operator UX. That is, hereinafter, the business operator UX can be read as the store terminal 20 as well.

In addition, in the following explanation, the two-dimensional code CX installed at the store X is not only store identification information but also an offline payment transaction (hereinafter abbreviated as "offline payment" as appropriate). shall have information indicating Here, the offline payment in the embodiment is a preliminary (in process) payment transaction performed in an offline environment. The offline payment is processed in the payment server 100 after the fact.

First, the store terminal 20 requests the payment server 100 to validate the offline setting (step S11). That is, the business operator UX requests the settlement server 100 to enable offline sales processing. For example, the merchant UX selects an offline mode of operation to enable offline sales processing on the store app. The store terminal 20 transmits a request for enabling the offline setting to the payment server 100 in response to the selection of the offline operation mode by the business operator UX.

When the payment server 100 receives a request for enabling the offline setting from the store terminal 20 via the interface dedicated to the store application, the settlement server 100 sets an upper limit amount for offline sales processing (step S12). This maximum amount of money is the upper limit of the amount of money that the service provider who runs the service provided by the settlement server 100 allows for offline sales to the provider UX who is the user of the service. For example, the upper limit amount is defined based on store X's past transaction history. Then, the settlement server 100 transmits a notice of approval of the offline setting to the store terminal 20 (step S13).

After the offline setting of the store X is completed, when the user UY pays for the purchase or use of the transaction target such as various products and services provided by the store X, the user application pre-installed in the user terminal 10 Start 10AP. Then, the user UY photographs the two-dimensional code CX installed at the store X via the user application 10AP, and reads the two-dimensional code CX (step S14).

Further, when the information read from the two-dimensional code CX includes information indicating that the payment is offline, the user application 10AP operating on the user terminal 10 interlocks with the reading of the two-dimensional code CX, The user UY is notified that the code settlement (hereinafter simply referred to as "settlement") transaction has been completed (step S15). As a result, the user UY can use the code payment without any sense of incongruity even in an offline environment where actual payment is not made, as in an online environment.

Then, the user application 10AP associates the information indicating the offline payment with the store identification information indicating the store X where the offline payment was made and the date and time when the offline payment was made (reading of the two-dimensional code CX). Transaction data (an example of “transaction information”) including date and time information indicating the date and time when the transaction was performed and information indicating the sales amount of the store X through offline payment is recorded (step S16). In the example shown in FIG. 1, as the transaction data recorded by the user application 10AP, store identification information associated with offline payment: "S#X-1", date and time information: "2022/1/11 12:34 ”, and sales amount: “1,000 yen” are shown. As a result, the actual transaction processing corresponding to the pending payment made in the offline environment can be linked to the payment server 100 so that it can be processed after the fact.

After that, the user UY leaves the store X. When the environment surrounding the user terminal 10 becomes an online environment within a predetermined time from the date and time when the offline payment was made (the date and time when the two-dimensional code CX was read), the user application 10AP records in step S16. The resulting transaction data is transmitted to the settlement server 100 (step S17). For example, in one embodiment, the transaction data recorded in step S16 is transmitted to the payment server 100 when the user terminal 10 becomes online within 24 hours from the date and time when the offline payment was made. If the user terminal 10 does not enter the online environment within 24 hours from the date and time when the offline payment was made, the offline payment (steps S14 to S16) becomes invalid, and transaction processing (step S18), which will be described later, is not performed. do not have. In this case, the payment service provider, who is the administrator of the payment server 100, may compensate the account of the store X with the sales amount related to the offline payment, or compensate the sales amount of the store X through an insurance service or the like. may Note that the user application 10AP can transmit the transaction data to the payment server 100 at any timing within a predetermined period of time from the date and time when the offline payment was made. For example, the user application 10AP may transmit the transaction data immediately after detecting the online environment, or may transmit the transaction data after a certain period of time has elapsed after detecting the online environment. Also, the user application 10AP may transmit transaction data to the settlement server 100 in arbitrary units. For example, the user application 10AP may compile and transmit a predetermined number of transaction data histories in chronological order, or may compile and transmit for each store.

Upon receiving the transaction data from the user terminal 10, the settlement server 100 executes transaction processing corresponding to the transaction data according to the received transaction data (step S18). For example, the settlement server 100 executes transaction processing corresponding to the transaction data when the sales amount of the store X through offline settlement satisfies a predetermined condition. Specifically, the settlement server 100 executes transaction processing corresponding to the transaction data on the condition that the total sales amount of the store X is less than a predetermined upper limit amount individually assigned to each store (enterprise). do. That is, the settlement server 100 transfers the amount equivalent to the sales amount of the store X from the account of the user UY (settlement source), which is the transmission source of the transaction data, to the account of the store X (settlement destination) indicated in the transaction data. of electronic money. In this way, the payment server 100 can realize code payment by the user UY even at the store X in an offline environment.

In the information processing (part 1) described above, the two-dimensional code CX installed at the store X may not have information indicating that the payment is offline. In this case, the settlement server 100 refers to the date/time information included in the transaction data received from the user terminal 10 . Then, if the date and time when the two-dimensional code CX is read is included in the period during which the online payment at the store X is valid, the payment server 100 executes transaction processing corresponding to the transaction data. As a result, the payment server 100 can use the code payment in the same procedure as in the online environment even in the offline environment without requiring special preparation such as installation of a two-dimensional code for offline payment.

(1-3-2. Information processing (Part 2))
Information processing (part 2) executed by the information processing system 1 having the payment server 100 will be described below with reference to FIG. FIG. 2 is a diagram illustrating an example of information processing (Part 2) according to the embodiment. The information processing (part 2) shown in FIG. 2 shows an example of transaction processing related to payment performed offline mainly by the store terminal 20 by reading the code information displayed on the user terminal 10 by the store terminal 20. there is In the information processing (Part 2) shown in FIG. 2, the processing from steps S31 to S33 is the same as the processing from steps S11 to S13 shown in FIG. This is different from the information processing (Part 1) shown in FIG. In the following, the information processing (part 2) shown in FIG. 2 will be described with respect to portions that differ from the information processing (part 1) shown in FIG.

That is, when the user UY makes a payment at the store X for the purchase and use of transaction targets such as various products and services, the user UY activates the user application 10AP. Then, the user UY operates the user application 10AP to cause the user terminal 10 to display the two-dimensional code CY including the user identification information for identifying the user UY (step S34). presented to the store clerk.

The shop application 20AP (see FIG. 4, for example) running on the shop terminal 20 reads the two-dimensional code CY displayed on the user terminal 10 (step S35). For example, a store clerk at store X activates store application 20AP pre-installed in store terminal 20 . Then, the clerk of the store X photographs the two-dimensional code CY displayed on the user terminal 10 via the store application 20AP, and reads the two-dimensional code CY.

In addition, when the two-dimensional code CY is read, the store application 20AP performs payment transactions in conjunction with the reading of the two-dimensional code CY on condition that the offline setting is in a valid state. Information indicating the completion is transmitted to the user terminal 10 (step S36). For example, the store application 20AP uses short-range wireless communication capable of transmitting and receiving data between the user terminal 10 and the store terminal 20, and transmits information indicating that the payment transaction has been completed to the user terminal 10. do. Further, the store application 20AP may output from the store terminal 20 the same screen and predetermined voice as when the code settlement is performed in the online environment. As a result, the user UY can use the code payment without any sense of incongruity even in an offline environment where processing related to payment transactions is not actually performed, as in an online environment.

Then, the store application 20AP associates the information indicating the offline payment with the user identification information for identifying the user who made the offline payment and the date and time when the offline payment was made (two-dimensional code C- Transaction data (an example of "transaction information") including date and time information indicating the date and time when Y was read and information indicating the sales amount of store X through offline payment are recorded (step S37). In the example shown in FIG. 2, the transaction data recorded by the store application 20AP includes user identification information associated with offline payment: "U#Y-1", date and time information: "2022/1/11 12: 34” and sales amount: “1,000 yen” are shown.

Further, when the user application 10AP operating on the user terminal 10 receives information indicating that the payment transaction has been completed from the store terminal 20, the user application 10AP notifies that the payment transaction has been completed in conjunction with the reception of this information. The user UY is notified by outputting the displayed screen and predetermined voice (step S38). For example, the user application 10AP can output, from the user terminal 10, the same screen and predetermined voice as when the code settlement is performed in the online environment.

After that, when the business operator UX (or a store clerk) carries the store terminal 20 and moves from the store X, the environment surrounding the store terminal 20 changes to the date and time when the offline payment was made (when the two-dimensional code CY was read). If the online environment is established within a predetermined time from the date and time of the transaction, the store application 20AP transmits the transaction data recorded in step S36 to the settlement server 100 (step S39). For example, in one embodiment, the transaction data recorded in step S37 is transmitted to the payment server 100 when the store terminal 20 becomes online within 24 hours from the date and time when the offline payment was made. If the store terminal 20 does not enter the online environment within 24 hours from the date and time when the offline payment was made, the offline payment (steps S35 to S37) becomes invalid, and transaction processing (step S40), which will be described later, is not performed. . In this case, the payment service provider, who is the administrator of the payment server 100, may compensate the account of the store X with the sales amount related to the offline payment, or compensate the sales amount of the store X through an insurance service or the like. may Note that the store application 20AP can transmit the transaction data to the payment server 100 at any timing within a predetermined period of time from the date and time when the offline payment was made. For example, the store application 20AP may transmit the transaction data immediately after detecting the online environment, or may transmit the transaction data after a certain period of time has elapsed after detecting the online environment. Also, the store application 20AP may transmit the transaction data to the settlement server 100 in arbitrary units. For example, the store application 20AP may collect and transmit a predetermined number of transaction data histories in chronological order.

Upon receiving the transaction data from the store terminal 20, the settlement server 100 executes transaction processing corresponding to the transaction data according to the received transaction data (step S40). For example, based on the transaction data, the settlement server 100 transfers the sales amount of store X from the account of user UY (settlement source) indicated in the transaction data to the account of store X (settlement destination) indicated in the transaction data. Transfer electronic money equivalent to

In the information processing (part 2) described above, when the transaction data is received from the store terminal 20, the payment server 100, based on the user identification information included in the transaction data, uses the information identified by the user identification information. It may be possible to confirm whether or not the person UY has actually made an offline payment transaction. For example, when the settlement server 100 receives transaction data from the store terminal 20, it transmits a confirmation notification to the user terminal 10 used by the user UY. Then, the payment server 100 executes transaction processing corresponding to the transaction data on condition that the fact of the offline payment transaction is approved by the user UY. As a result, the payment server 100 can ensure the reliability of code payments even in an offline environment.

(1-3-3. Information processing (Part 3))
Conventionally, when a user performs code settlement using a money balance that has been charged to his/her own account in advance, it is necessary to charge the balance as appropriate, which causes the user to take considerable time and effort. In addition, if the electronic money cannot be charged immediately for some reason, the code payment itself cannot be used. Thus, conventional code payments have room for improvement in enhancing usability.

Therefore, the information processing system 1 having the payment server 100 executes the information processing (part 3) according to the embodiment. For example, the settlement server 100 determines whether the state of the user (for example, user UY) satisfies a predetermined condition, and determines that the state of the user satisfies the predetermined condition. If so, the account assigned to the user is automatically charged with electronic money.

The information processing (Part 3) executed by the information processing system 1 having the settlement server 100 will be specifically described below with reference to FIG. FIG. 3 is a diagram illustrating an example of information processing (No. 3) according to the embodiment. In FIG. 3, the occurrence of an earthquake (an example of a "disaster") is illustrated as an example of the state in which user UY is placed. may include the occurrence of disasters and the occurrence of events. The information processing (3) shown in FIG. 3 differs from the information processing (1) shown in FIG. 1 and the information processing (2) shown in FIG. 2 in steps S51 to S54. The information processing (part 3) shown in FIG. 3 will be described below with respect to portions that differ from the information processing (part 1) shown in FIG. 1 and the information processing (part 2) shown in FIG.

First, the user UY applies for the automatic charge service to the settlement server 100 (step S51). The automatic charge service is a service for automatically charging electronic money to an account assigned to a user UY when it is determined that the user UY's state satisfies a predetermined condition. A service user, for example, pays monthly fees for using the automatic charging service. The settlement server 100 accumulates usage fees paid by service users every month for each service user. The settlement server 100 automatically charges electronic money using the amount accumulated for each service user. It should be noted that the usage fee for the automatic charging service is not limited to monthly installments, and may be configured to allow selection of any payment method such as a lump sum payment.

In addition, the payment server 100 can include permission for location tracking by the user application 10AP as a condition for using the automatic charging service. Thereby, the settlement server 100 can identify the position of the user terminal 10 used by the user UY.

On the other hand, the settlement server 100 accepts an application for the automatic charging service from the user UY (step S52). For example, the settlement server 100 activates the automatic charge service setting for the account assigned to the user UY.

Here, upon detecting the occurrence of an earthquake, the settlement server 100 determines whether or not the state in which the user UY is placed satisfies a predetermined condition (step S53). For example, when an earthquake occurs, the settlement server 100 determines whether the distance between the position of the user UY and the earthquake occurrence area is within a predetermined distance range. The settlement server 100 identifies the position of the user UY based on the position information obtained from the user terminal 10. FIG.

Then, when it is determined that the distance between the position of the user UY and the earthquake occurrence area is within a predetermined distance range, the settlement server 100 automatically charges the account linked to the user UY with electronic money. is executed (step S54). As a result, the settlement server 100 can avoid a situation in which code settlement cannot be used due to insufficient balance for user UY, who may find it difficult to charge the money balance due to the occurrence of an earthquake. The charge amount of electronic money may be an amount common to all service users who use the automatic charge service, or may be an amount individually determined for each service user.

Moreover, the settlement server 100 may determine whether or not the money balance of the user UY is less than a predetermined amount as the state of the user UY. In this case, the settlement server 100, for example, when determining that the money balance is less than the predetermined value, automatically charges the electronic money. As a result, the settlement server 100 can avoid a situation in which the user UY, who may have insufficient money balance when using the code settlement, cannot use the code settlement due to insufficient balance. When it is determined that the distance between the position of user UY and the earthquake occurrence area is within a predetermined distance range, settlement server 100 further determines whether user UY's money balance is less than a predetermined amount. It may be determined whether

In addition, the settlement server 100 automatically charges electronic money based on a predetermined chargeable amount. The settlement server 100 can automatically charge electronic money in an amount corresponding to the chargeable amount. For example, the chargeable amount may be defined individually for each service user. As a result, the settlement server 100 can hedge risks within the chargeable amount, and avoid as much as possible a situation in which code settlement cannot be used due to insufficient balance.

[2. Configuration of payment server]
Next, the configuration of the settlement server 100 will be described using FIG. FIG. 4 is a diagram illustrating a configuration example of a settlement server according to the embodiment; As shown in FIG. 4, the payment server 100 has a communication unit 110, a storage unit 120, and a control unit .

(Regarding communication unit 110)
The communication unit 110 is realized by, for example, a NIC (Network Interface Card) or the like. The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from the user terminal 10, the store terminal 20, and the like.

(Regarding storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 4 , the storage unit 120 has an account information storage unit 121 , a shop information storage unit 122 and a user information storage unit 123 .

(Regarding account information storage unit 121)
The account information storage unit 121 stores various information related to accounts owned by service users such as users (general consumers) and stores (business operators) in the electronic payment service. An example of information stored in the account information storage unit 121 will now be described with reference to FIG. FIG. 5 is a diagram illustrating an example of information stored in an account information storage unit according to the embodiment; In the example of FIG. 5, the account information storage unit 121 has a plurality of items such as "account ID", "owner ID", and "total balance (yen)".

The item “account ID” stores identification information for identifying the account. The item "owner information" stores identification information for identifying the owner who owns the account. Note that a user ID, which will be described later, may be stored in the "owner information" item. The item "account balance (yen)" stores information indicating the balance of the account. As information indicating the balance, for example, the amount of cash equivalent to electronic money is stored.

That is, in FIG. 5, the information of the owner of the account identified by the account ID "AC#1" is "S#X-1" and the total balance is "1,150,000 (yen)". It is shown.

(Regarding store information storage unit 122)
The store information storage unit 122 stores information related to offline settings of the store. Here, an example of information stored by the shop information storage unit 122 will be described with reference to FIG. 6 is a diagram illustrating an example of information stored in a store information storage unit according to the embodiment; FIG. In the example of FIG. 6, the store information storage unit 122 has a plurality of items such as "store ID", "offline setting", and "upper limit amount (yen)".

The item "store ID" stores store identification information for identifying a store operated by a business operator who provides general consumers with items to be traded, such as products and services. Information indicating whether or not offline payment (offline sales processing) is enabled is stored in the "offline setting" item. Information indicating the maximum amount that can be accepted for code payment in the offline environment is stored in the item "maximum amount (yen)". Note that the service provider that provides the electronic payment service through the payment server 100 compensates the store for the amount set in the upper limit amount item.

That is, in FIG. 6, the offline setting of the store identified by the store ID "S#X-1" is in a valid state, and offline settlement is possible up to the upper limit of "100,000 (yen)". It is shown.

(Regarding the user information storage unit 123)
The user information storage unit 123 stores various information regarding users of the electronic payment service provided by the payment server 100 . Here, an example of information stored by the user information storage unit 123 will be described with reference to FIG. 7 is a diagram illustrating an example of information stored in a user information storage unit according to the embodiment; FIG. In the example of FIG. 7, the user information storage unit 123 has a plurality of items such as "user ID", "automatic charging setting", and "chargeable amount (yen)".

User identification information for identifying the user is stored in the "user ID" item. Information indicating whether or not the automatic charge service is enabled is stored in the "automatic charge setting" item. Information indicating the amount that can be charged by the automatic charging service is stored in the item of "chargeable amount (yen)".

That is, in FIG. 7, for the user identified by the user ID "U#Y-1", the automatic charge service is in a valid state, and the amount that can be charged by the automatic charge service is "30,000 (yen)." It has been shown that

(Regarding the control unit 130)
The control unit 130 is a controller, and various programs stored in a storage device inside the payment server 100 are executed by a CPU (Central Processing Unit) or MPU (Micro Processing Unit), for example, using the RAM as a work area. It is realized by being executed. Also, the control unit 130 can be implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 4, the control unit 130 according to the embodiment includes a reception unit 131, a determination unit 132, a charging unit 133, and an execution unit 134. These units perform information processing described below. realize or perform the function or action of

(Regarding the reception unit 131)
Reception unit 131 includes information indicating that the payment transaction is offline from user terminal 10 or store terminal 20, and the sales amount of the store (for example, store X shown in FIG. 1 or 2) resulting from the payment transaction. Receive transaction data (an example of “transaction information”). The reception unit 131 transfers transaction data received from the user terminal 10 or the store terminal 20 to the execution unit 134 .

The reception unit 131 also receives transaction data including store identification information for identifying a store (for example, store X) from the user terminal 10 . Further, the receiving unit 131 receives transaction data including date and time information indicating the date and time when the settlement transaction was performed from the user terminal 10 . The receiving unit 131 transfers transaction data received from the user terminal 10 to the executing unit 134 .

Further, the reception unit 131 receives transaction data including user identification information for identifying a user (for example, user UY shown in FIG. 2) who has made a payment transaction from the store terminal 20 . The receiving unit 131 transfers transaction data received from the user terminal 10 to the executing unit 134 .

(Regarding the determination unit 132)
The determination unit 132 determines whether or not the state in which the service user of the electronic payment service (for example, the user UY shown in FIG. 3) is placed satisfies a predetermined condition.

For example, when a disaster occurs, the determination unit 132 determines whether or not the distance between the location of the service user and the disaster area is within a predetermined distance range. Specifically, upon detecting the occurrence of an earthquake, the determination unit 132 refers to information stored in the user information storage unit 123 and extracts service users of the automatic charging service. In other words, the determination unit 132 identifies service users for whom the automatic charge setting is enabled in the information stored in the user information storage unit 123 . Next, the determination unit 132 selects a service user to be processed from among the extracted service users. Next, the determination unit 132 identifies the position of the selected service user and estimates the distance between the identified position and the earthquake occurrence area. When estimating the distance between the service user's position and the earthquake occurrence area, the determination unit 132 may estimate the distance between the service user's position and the area with the highest seismic intensity in the earthquake occurrence area. Alternatively, the determination unit 132 may estimate the shortest distance between the position of the service user and the earthquake occurrence area. Then, the determination unit 132 determines whether or not the estimated distance is equal to or less than a predetermined threshold.

Also, for example, the determination unit 132 determines whether or not the service user's money balance is less than a predetermined amount. The determination unit 132 transfers the determination result to the charging unit 133 .

(Regarding the charging section 133)
If the determining unit 132 determines that the state of the service user (for example, user UY shown in FIG. 3) satisfies a predetermined condition, the charging unit 133 charges the account assigned to the service user. Automatic charging of electronic money is executed against the

For example, the charging unit 133 accumulates an amount obtained by deducting a predetermined fee from a predetermined monthly charge for using the automatic charging service for each service user for whom the automatic charging setting is valid. In addition, if the determination unit 132 determines that the distance between the service user's position and the disaster occurrence area is within a predetermined distance range, the charging unit 133 Execute automatic charge from For example, the charging unit 133 can perform automatic charging based on a predetermined chargeable amount out of the accumulated amount. Also, for example, when the determining unit 132 determines that the money balance is less than a predetermined value, the charging unit 133 performs automatic charging.

(Regarding execution unit 134)
The execution unit 134 executes transaction processing corresponding to offline payment when the sales amount of the store through offline payment satisfies a predetermined condition. For example, the execution unit 134 executes transaction processing corresponding to offline payment on the condition that the total sales amount of the store is less than a predetermined upper limit amount individually assigned to each store. Specifically, the execution unit 134 determines that offline payment is valid for the store, the total amount of sales in the offline payment is less than a predetermined upper limit amount, and the transaction from the user terminal 10 If the data is received within a predetermined time, perform transaction processing corresponding to offline payment. In other words, if the offline payment is valid, the payment server 100 can accept the offline payment until the transaction data received within the predetermined time reaches the predetermined condition amount.

Note that the execution unit 134 can determine the maximum amount of offline payment for each store based on the store's past transaction history. Specifically, the execution unit 134 may calculate the average sales amount in a predetermined period from the past transaction history of the store, and determine the calculated average sales amount as the upper limit amount. A median value may be specified, and the specified median value may be determined as the maximum amount. The execution unit 134 registers the determined maximum amount of money in the store information storage unit 122 in association with the store identification information.

In addition, the execution unit 134 refers to the maximum amount of money associated with the store identification information included in the transaction data from the user terminal 10 in the information stored in the store information storage unit 122, and perform transaction processing based on

In addition, the execution unit 134 identifies the date and time when the offline payment was made from the date and time information included in the transaction data from the user terminal 10, and stores the specified date and time identified by the store identification information included in the transaction data. Transaction processing corresponding to offline payment may be executed on the condition that it is included in the period during which offline payment is valid in .

Also, the execution unit 134 executes transaction processing corresponding to offline payment on the condition that the fact of offline payment is approved by the user identified by the user identification information included in the transaction data from the shop terminal 20. You may

[3. Processing procedure example]
(3-1. Processing Flow (Part 1))
The flow of processing in the information processing system having the settlement server 100 according to the embodiment will be described below. First, with reference to FIG. 8, the flow of processing according to the embodiment (No. 1) will be described. FIG. 8 is a sequence diagram illustrating an example of the flow (part 1) of processing according to the embodiment.

As shown in FIG. 8, the store terminal 20 transmits an offline setting request to the payment server 100 (step S101).

On the other hand, upon receiving the offline setting request from the store terminal 20, the settlement server 100 sets the maximum amount of money for the store X linked to the store terminal 20 (step S102). Then, the payment server 100 activates the offline setting of the store X and transmits a notification of approval of the offline setting to the store terminal 20 (step S103).

After that, it is assumed that the user of the user terminal 10 enters the store X in the offline environment and performs code settlement mainly using the user terminal 10 in order to receive the transaction object from the store X. In this case, the user terminal 10 reads, for example, the two-dimensional code installed at the store X according to the user's operation (step S104).

In addition, when the information read from the two-dimensional code includes the fact that the payment is offline, the user terminal 10 notifies the user UY that the payment transaction has been completed in conjunction with the reading of the two-dimensional code. Notify (step S105).

In addition, the user terminal 10 associates the information indicating the offline payment with the shop identification information indicating the shop X where the offline payment was made, the date and time information indicating the read date and time of the two-dimensional code, and the offline payment. Transaction data including information indicating the sales amount of store X is recorded (step S106).

After that, the user of the user terminal 10 leaves the store X. When the environment surrounding the user terminal 10 becomes an online environment within a predetermined time from the date and time when the two-dimensional code was read in the target transaction (step S106), the user terminal 10 sends the transaction data recorded in step S106 to the settlement server 100. (step S107).

Upon receiving the transaction data from the user terminal 10, the settlement server 100 executes transaction processing corresponding to the transaction data according to the received transaction data (step S108).

(3-2. Processing Flow (Part 2))
Next, the flow of processing according to the embodiment (No. 2) will be described with reference to FIG. 9 . FIG. 9 is a sequence diagram illustrating an example of the flow (part 2) of processing according to the embodiment.

As shown in FIG. 9, the store terminal 20 transmits an offline setting request to the settlement server 100 (step S201).

On the other hand, upon receiving the offline setting request from the store terminal 20, the settlement server 100 sets the maximum amount of money for the store X linked to the store terminal 20 (step S202). Then, the payment server 100 activates the offline setting of the store X and transmits a notification of approval of the offline setting to the store terminal 20 (step S203).

After that, it is assumed that the user of the user terminal 10 enters the store X in the offline environment and performs code settlement mainly on the store terminal 20 in order to receive the transaction object from the store X. In this case, the user terminal 10 causes the user terminal 10 to display the code information including the user identification information for identifying the user according to the user's operation (step S204), and presents it to the store X clerk. .

The store terminal 20 reads the code information displayed on the user terminal 10 (step S205).

In addition, when the code information displayed on the user terminal 10 is read, the store terminal 20 performs payment transactions in conjunction with the reading of the code information on condition that the offline setting is in a valid state. A transaction completion notification indicating that the transaction has been completed is transmitted to the user terminal 10 (step S206).

In addition, the store terminal 20 associates with the information indicating the offline payment, user identification information for identifying the user who made the offline payment, date and time information indicating the read date and time of the code information, and offline payment information. and record the transaction data including the information indicating the sales amount of the store X (step S207).

On the other hand, when the user terminal 10 receives a transaction completion notification indicating that the payment transaction has been completed from the store terminal 20, the user terminal 10 displays a screen indicating that the payment transaction has been completed or a predetermined is output to notify the user UY (step S208).

After that, the business operator UX (or a store clerk) who manages the store X moves from the store X with the store terminal 20 in hand. When the environment surrounding the store terminal 20 becomes an online environment within a predetermined time from the date and time when the code information was read in the target transaction (step S207), the store terminal 20 transmits the transaction data recorded in step S207 to the settlement server 100. (step S209).

Upon receiving the transaction data from the store terminal 20, the settlement server 100 executes transaction processing corresponding to the transaction data according to the received transaction data (step S210).

(3-3. Example of processing procedure by settlement server)
Next, an example of a processing procedure by the settlement server 100 according to the embodiment will be described with reference to FIG. 10 . FIG. 10 is a flowchart illustrating an example of a processing procedure by the settlement server according to the embodiment; The processing procedure shown in FIG. 10 is repeatedly executed by the control unit 130 of the settlement server 100 .

As shown in FIG. 10, when the determination unit 132 detects the occurrence of an earthquake (step S301), the determination unit 132 refers to the information stored in the user information storage unit 123 and checks the status of the services whose automatic charge setting is enabled. A user is extracted (step S302).

Further, the determination unit 132 selects service users to be processed from among the service users extracted in step S302 (step S303).

The determination unit 132 also identifies the position of the service user selected in step S303, and estimates the distance D between the identified position and the earthquake occurrence area (step S304).

Further, the determination unit 132 determines whether or not the distance D estimated in step S304 is equal to or less than a predetermined threshold TH1 (step S305).

Further, when the determination unit 132 determines that the distance D estimated in step S304 is equal to or less than the threshold TH1 (step S305: Yes), the determination unit 132 refers to the information stored in the account information storage unit 121, and in step S303 It is determined whether or not the money balance of the selected service user is equal to or less than the threshold TH2 (step S306).

When the determining unit 132 determines that the money balance of the service user selected in step S303 is equal to or less than the threshold TH2 (step S306: Yes), the charging unit 133 associates the money balance with the service user selected in step S303. Electronic money is automatically charged to the account based on a predetermined chargeable amount (step S307).

Also, the determination unit 132 determines whether or not the process for the service user extracted in step S302 has been completed (step S308).

If the determining unit 132 determines that the service user extracted in step S302 has not completed the process (step S308: No), the procedure returns to step S303 described above, and the next service user to be processed is selected. choose who. On the contrary, when determining that the process for the service user extracted in step S302 has been completed (step S308: Yes), the determination unit 132 ends the processing procedure shown in FIG.

Further, in step S306 described above, when the determination unit 132 determines that the money balance of the service user selected in step S303 is equal to or less than the threshold TH2 (step S306: No), the procedure proceeds to step S308 described above. do.

Further, in step S305 described above, when the determination unit 132 determines that the distance D estimated in step S304 is not equal to or less than the threshold TH1 (step S305: No), the procedure proceeds to step S308 described above.

In the processing procedure shown in FIG. 10, the processing procedure of step S305 and the processing procedure of step S306 are not limited to executing the order shown in FIG. steps may be taken. Also, the processing procedure shown in FIG. 10 may not include the processing procedure of step S306. Also, the processing procedure shown in FIG. 10 may not include the processing procedure of steps S304 and S305.

[4. Modification]
(4-1. Concerning matching processing of transaction data)
The above-described embodiment is an example, and various modifications and applications are possible. For example, in the above-described embodiment, both when the user terminal 10 performs the offline payment (user payment) and when the store terminal 20 performs the offline payment (store payment), the By exchanging transaction data between the customer terminal 10 and the store terminal 20, the transaction data may be shared with each other. In this case, if the payment server 100 receives the transaction data from the user terminal 10 first, the payment amount included in the transaction data out of the money balance linked to the account corresponding to the user identification information included in the transaction data can be temporarily reserved as a transaction pending state. After that, when the transaction data is received from the store terminal 20, the settlement server 100 compares the transaction data received from the user terminal 10 with the transaction data received from the store terminal 20 to confirm that there is no problem with the transaction content. , release the transaction pending state and execute transaction processing.

(4-2. Deadline for transmission of transaction data)
For example, in the above-described embodiment, transaction data that has not been transmitted to the payment server 100 within a predetermined period of time (for example, within 24 hours) after offline payment has occurred at store X may be invalidated. In this case, the payment server 100 discards the transaction data transmitted from the shop terminal 20 after a predetermined period of time has passed since the offline payment occurred at the shop X, for example. Then, the settlement server 100 refunds the user's electronic money, which has been temporarily reserved in the transaction pending state, to the account associated with the user.

(4-3. Configuration of information processing system 1)
In the above-described embodiment, the payment server 100 included in the information processing system 1 performs transaction processing corresponding to offline payment and automatically charges the service user. The configuration of the system 1 need not be particularly limited to such an example. For example, in the information processing system 1 according to the embodiment, the server that performs transaction processing corresponding to offline payment and the server that automatically charges the service user may be physically different servers, or , each server may belong to a different system.

(4-4. Regarding processing mode)
Of the processes described in the above embodiments, all or part of the processes described as being automatically performed can be manually performed, and conversely, all of the processes described as being manually performed can be performed manually. Alternatively, some can be done automatically by known methods. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific forms of distribution and integration of each device are not limited to those shown in the figure, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

Moreover, each of the embodiments described above can be appropriately combined within a range that does not contradict the processing contents.

[5. effect〕
As described above, the settlement server 100 according to the embodiment has the reception unit 131 and the execution unit 134. The reception unit 131 receives transaction information including information indicating that the transaction is an offline payment transaction from the user terminal 10 or the store terminal 20 and the sales amount of the store resulting from the payment transaction. The execution unit 134 executes transaction processing corresponding to the settlement transaction when the sales amount satisfies a predetermined condition.

As a result, the payment server 100 according to the embodiment can realize the use of code payment by the user UY even at a store in an offline environment. As a result, the settlement server 100 can improve the reliability of code settlement.

In addition, in the settlement server 100 according to the embodiment, the execution unit 134 executes transaction processing on the condition that the total sales amount is less than a predetermined upper limit amount individually assigned to each store.

Also, in the settlement server 100 according to the embodiment, the upper limit amount is defined based on the store's past transaction history.

As a result, the settlement server 100 can increase the reliability of code settlement while hedging risks.

In addition, in the settlement server 100 according to the embodiment, the reception unit 131 receives transaction information including store identification information for identifying the store from the user terminal 10 . The execution unit 134 executes transaction processing based on the maximum amount associated with the store identification information. As a result, the payment server 100 can execute transaction processing corresponding to offline payment mainly by the user terminal 10 .

In addition, in the payment server 100 according to the embodiment, the reception unit 131 receives transaction information including date and time information indicating the date and time when the payment transaction was performed from the user terminal 10 . The executing unit 134 executes the transaction processing on the condition that the date and time of the payment transaction is included in the period during which the payment transaction is valid at the store identified by the store identification information. As a result, the payment server 100 does not require any special preparation such as installation of a two-dimensional code for offline payment at stores that use offline payment, and even in an offline environment, the same procedures as in an online environment can be used. You can use code payment.

In addition, in the payment server 100 according to the embodiment, the reception unit 131 receives transaction information including user identification information for identifying the user who has made the payment transaction from the store terminal 20 . The execution unit 134 executes transaction processing on condition that the fact of the payment transaction is approved by the user identified by the user identification information. As a result, the payment server 100 can ensure the reliability of the code payment mainly by the store terminal 20 .

Further, in the information processing system 1 according to the embodiment, the user application running on the user terminal 10 may read the code information from the user terminal 10 if the information read from the code information includes an offline payment transaction. , a procedure for notifying the user that the settlement transaction has been completed in conjunction with the reading of the code information is executed.

Further, in the information processing system 1 according to the embodiment, the user application provides the user terminal 10 with store identification information indicating the store where the payment transaction was performed in association with the information indicating that the payment transaction is offline. and a procedure for recording transaction information including date and time information indicating the date and time when the payment transaction was performed and information indicating the sales amount of the store due to the payment transaction.

As a result, the user application allows the user to use the code payment without any sense of incongruity in the same way as in the online environment, even in an offline environment where processing related to payment transactions is not actually being performed. can be made

Further, in the information processing system 1 according to the embodiment, when the store application running on the store terminal 20 reads the code information displayed on the user terminal 10, the offline sales processing is in a valid state. As a condition, a procedure for notifying the user that the off-line payment transaction has been completed is executed in conjunction with reading the code information.

Further, in the information processing system 1 according to the embodiment, the store application is associated with information indicating that the payment transaction is offline, user identification information for identifying the user who performed the payment transaction, and payment Transaction information including date and time information indicating the date and time of the transaction and information indicating the sales amount of the store due to the payment transaction is recorded.

Further, in the information processing system 1 according to the embodiment, the store application causes the store terminal to execute a procedure of transmitting information indicating that payment has been completed to the user terminal 10 by short-range wireless communication.

As a result, the store application allows the user to use the code payment without any sense of incongruity even in an offline environment where actual payment is not made, in the same way as in an online environment.

[6. Hardware configuration]
Also, the settlement server 100 according to the present embodiment described above is implemented by, for example, a computer 1000 configured as shown in FIG. FIG. 11 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

A computer 1000 is connected to an output device 1010 and an input device 1020, and an arithmetic device 1030, a primary storage device 1040, a secondary storage device 1050, an output IF (Interface) 1060, an input IF 1070, and a network IF 1080 are connected via a bus 1090. have

Arithmetic device 1030 operates based on programs stored in primary storage device 1040 and secondary storage device 1050, programs read from input device 1020, and the like, and executes various types of processing. The primary storage device 1040 is a memory device such as a RAM that temporarily stores data used by the arithmetic device 1030 for various calculations. The secondary storage device 1050 is a storage device in which data used for various calculations by the arithmetic device 1030 and various databases are registered, and is implemented by a ROM (Read Only Memory), HDD, flash memory, or the like.

The output IF 1060 is an interface for transmitting information to be output to the output device 1010 that outputs various types of information such as a monitor and a printer. It is realized by a connector conforming to a standard such as HDMI (registered trademark) (High Definition Multimedia Interface). Also, the input IF 1070 is an interface for receiving information from various input devices 1020 such as a mouse, keyboard, scanner, etc., and is implemented by, for example, USB.

Note that the input device 1020 includes, for example, optical recording media such as CDs (Compact Discs), DVDs (Digital Versatile Discs), PDs (Phase change rewritable discs), magneto-optical recording media such as MOs (Magneto-Optical discs), and tapes. It may be a device that reads information from a medium, a magnetic recording medium, or a semiconductor memory. Also, the input device 1020 may be an external storage medium such as a USB memory.

Network IF 1080 receives data from other devices via network N and sends the data to arithmetic device 1030, and also transmits data generated by arithmetic device 1030 via network N to other devices.

The arithmetic device 1030 controls the output device 1010 and the input device 1020 via the output IF 1060 and the input IF 1070 . For example, arithmetic device 1030 loads a program from input device 1020 or secondary storage device 1050 onto primary storage device 1040 and executes the loaded program.

For example, when the computer 1000 functions as the payment server 100 according to the present embodiment, the arithmetic device 1030 of the computer 1000 executes a program (for example, an information processing program) loaded on the primary storage device 1040 to control A function similar to that of the unit 130 is realized. That is, the computing device 1030 realizes processing by the payment server 100 according to this embodiment in cooperation with a program (for example, an information processing program) loaded on the primary storage device 1040 .

[7. others〕
As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to carry out the invention in other forms with modifications.

In addition, the configuration of the settlement server 100 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the control unit can be read as control means or a control circuit.

1 information processing system 10 user terminal 20 store terminal 100 settlement server 110 communication unit 120 storage unit 121 account information storage unit 122 store information storage unit 123 user information storage unit 130 control unit 131 reception unit 132 determination unit 133 charging unit 134 execution Department

Claims (7)

In the computer, which is the user terminal used by the user who makes the code payment to receive the transaction object from the store,
If the information read from the code information corresponding to the code payment includes the fact that the payment transaction is offline, even if the payment corresponding to the payment transaction has not been performed, the code information An information processing program characterized by executing a procedure for notifying a user that a payment transaction has been completed in conjunction with reading. to the computer;
Store identification information indicating the store where the payment transaction was performed, date and time information indicating the date and time when the payment transaction was performed, and store identification information indicating the date and time when the payment transaction was performed, in association with information indicating that the payment transaction was performed offline. 2. The information processing program according to claim 1, causing execution of a procedure for recording transaction information including information indicating a sales amount. to the computer;
If the environment surrounding the computer becomes an online environment within a predetermined time from the date and time when the offline payment transaction was performed, a procedure for transmitting the transaction information to the payment server is executed. 3. The information processing program according to 2. A computer that is a store terminal used by a business operator that provides a transaction target at a store,
Information displayed on a user terminal used by a user who makes a code payment to receive the transaction object, and which is code information corresponding to the code payment for identifying the user When the code information including the user identification information is read, on the condition that offline sales processing is in a valid state, even if the payment corresponding to the payment transaction for the transaction object is not performed. , an information processing program characterized by executing a procedure for notifying a user that the off-line settlement transaction has been completed in conjunction with the reading of the code information. to the computer;
User identification information for identifying the user who performed the payment transaction, date and time information indicating the date and time when the payment transaction was performed, and the payment, in association with information indicating that the payment transaction is offline 5. The information processing program according to claim 4, causing execution of a procedure for recording transaction information including information indicating the sales amount of the store due to the transaction. A computer that is a store terminal used by a business operator that provides a transaction target at a store ,
Information displayed on a user terminal used by a user who makes a code payment to receive the transaction object, and when the code information corresponding to the code payment is read, off-line sales processing is performed. On the condition that it is in a valid state, the offline payment transaction is completed in conjunction with the reading of the code information even if the payment corresponding to the payment transaction for the transaction object is not performed. A procedure for notifying the user to that effect;
User identification information for identifying the user who performed the payment transaction, date and time information indicating the date and time when the payment transaction was performed, and the payment, in association with information indicating that the payment transaction is offline a procedure for recording transaction information including information indicating the sales amount of the store resulting from the transaction;
a step of transmitting the transaction information to a payment server when the environment surrounding the computer becomes an online environment within a predetermined time from the date and time when the offline payment transaction is performed;
An information processing program characterized by executing to the computer;
7. The information processing program according to any one of claims 4 to 6, characterized by executing a procedure of transmitting information indicating that said payment transaction has been completed by short-range wireless communication.

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